{"id":19851,"date":"2025-05-09T15:24:13","date_gmt":"2025-05-09T19:24:13","guid":{"rendered":"https:\/\/www.assur360.ca\/business-insurance-3-minute-quote\/mechanical-garage-insurance-compare-offers-in-minutes\/"},"modified":"2026-06-26T02:52:05","modified_gmt":"2026-06-26T06:52:05","slug":"mechanical-garage-insurance-compare-offers-in-minutes","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/mechanical-garage-insurance-compare-offers-in-minutes\/","title":{"rendered":"Garage insurance"},"content":{"rendered":"&#8220;`html\n\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360 \u2014 Mechanical Garage Insurance\", \"description\": \"Insurance for mechanical garages in Quebec: customer vehicles, liability, equipment, pollution, lifting. Free quote in 2 minutes. 1-866-357-4451.\", \"url\": \"https:\/\/www.assur360.ca\/assurance-garage-mecanique\/\", \"telephone\": \"1-866-357-4451\", \"areaServed\": {\"@type\": \"Place\", \"name\": \"Quebec, Canada\"}}\n<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:60px 24px;text-align:center;border-radius:0 0 16px 16px;margin-bottom:40px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 16px;\">MECHANICAL GARAGE<\/p>\n  <h2 style=\"color:#ffffff;font-size:32px;font-weight:800;margin:0 0 20px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"Insurance-for-mechanical-garages-in-Quebec\"><\/span>Insurance for mechanical garages in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 auto 32px;max-width:700px;line-height:1.6;\">Mechanical, bodywork, specialized: your risks include <strong>customer vehicles, pollution, lifts<\/strong> and repair errors. Full garage coverage. <\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:16px;max-width:1200px;margin:0 auto 40px;padding:0 24px;\">\n  <div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">Starting at $2,000<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Annual premium<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">Customer vehicles<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Cutlery<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">Pollution<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Includes<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">AMF<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Certified brokers<\/div>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\">A mechanical garage or body shop has unique risks that general commercial policies do not cover: <strong>entrusted customer vehicles<\/strong>, road tests, lifting, accidental pollution (oil, antifreeze, hydraulic fluid), repair errors that cause an accident. A suitable &#8220;Garage Owner&#8221; policy combines all these protections in one product. <\/p>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-garage-mecanique.jpg\" alt=\"Auto mechanics \u2014 Assur360 insurance\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Garage-Insurance\"><\/span>Garage Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">Garages insure <strong>the customer&#8217;s vehicles (garages)<\/strong> in addition to their equipment. The <em>garage<\/em> policy covers damage to repaired vehicles and test drives. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Essential:<\/strong> <em>care, custody and control<\/em> guarantee. Without it, a customer vehicle damaged during the repair is not covered. This is the #1 item of garage claims.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Garage-Specific-Protections\"><\/span>Garage Specific Protections<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;max-width:1200px;margin:24px auto;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Customer Vehicles<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Damage to cars entrusted for repair, test drive, parking. Often $250,000 to $1 million limit. <\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Garage liability<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">A repair error that causes an accident after the vehicle is returned to the customer.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Equipment<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Lifts, compressors, pneumatic tools, diagnostic equipment, paint booth.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Accidental pollution<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Oil spills, antifreeze, solvents \u2014 cleaning and environmental responsibility.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Business interruption<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Loss of income if the garage has to close after a fire or water damage.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Property and building<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Inventory of parts, tires, tools, furniture, leasehold improvements.<\/p>\n  <\/div>\n<\/div>\n\n&#8220;`\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border:2px solid #10c4c7;border-radius:12px;padding:32px;margin:40px auto;max-width:1200px;color:#ffffff;\">\n  <h3 style=\"color:#10c4c7;font-size:1.3rem;margin:0 0 16px;\">\ud83d\udca1 Broker&#8217;s advice<\/h3>\n  <p style=\"color:#e2e8f0;font-size:1rem;line-height:1.7;margin:0;\">The <strong>detailed list of vehicles in<\/strong> your garage should be updated <strong>daily<\/strong>. In the event of a fire at night, the insurer will ask for the exact list of vehicles. A computer system that records entry\/exit with photos and signatures protects your coverage. A garage owner without a clear inventory can have their claim delayed for several months.   <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\" id=\"faq\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:1200px;margin:0 auto 40px;\">\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">How much does garage insurance cost in Quebec?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">For an independent mechanical garage with 3 to 6 bays: between $2,000 and $5,500 per year. Body shops or specialized shops (high-end, exotic cars) pay more because of the value of the vehicles entrusted to them ($5,500 to $15,000). <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Are customers&#8217; vehicles covered by my civil liability?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">No \u2014 commercial liability excludes <strong>entrusted assets<\/strong>. You need a specific &#8220;customers&#8217; autos&#8221; endorsement. The limit should be the maximum value of the vehicles you receive at the same time (typically $250,000 to $1 million).  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">A customer leaves the garage and has an accident because of my repair \u2014 am I covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, via <strong>garage liability (&#8220;products and completed operations&#8221;)<\/strong>. Example: improperly installed brakes, loose wheel bolts, contaminated brake fluid. Typical limit: $2 million per claim. Always get a customer signature on the work order that outlines the repairs made.   <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Are spilled fluids on the floor a problem?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes \u2014 <strong>accidental pollution<\/strong> can result in a clean-up bill of $10,000 to $100,000 if the oil reaches the storm water system or subsoil. The gradual pollution endorsement (cost $500 to $1,500\/year) is strongly recommended. <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">My employees test drive \u2014 is it covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, if your policy includes <strong>test drives within a reasonable radius<\/strong>. Tests on a closed course or on the road at high speed (diagnosis of a sports engine) may be excluded. Declare these activities at the time of subscription if they are part of your service.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Are tyres stored outdoors covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Tires stored <strong>inside<\/strong> are covered against theft and fire. Tires stored <strong>outdoors unfenced<\/strong> may be excluded or limited. Provide secure storage for large volumes (winter\/summer).  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">My workshop uses flammable products (paint, solvents) \u2014 restrictions?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">The insurer will require that your <strong>paint booth comply with<\/strong> municipal and fire standards. An annual inspection certificate may be requested. Storing solvents in excess of 200 L often requires an approved safety cabinet.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">I also repair heavy vehicles (trucks, buses) \u2014 even police?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">No \u2014 heavy vehicles require <strong>a specialized policy<\/strong> with higher limits (vehicle and liability). Some insurers refuse mixed garages. Your broker identifies the right insurer for your clientele.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Am I responsible if a customer forgets a piece of jewelry or a bag in their vehicle?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\"><strong>The client&#8217;s personal belongings<\/strong> are generally excluded from your coverage. Ask customers to remove their valuables before leaving the vehicle. Written notice at your premises limits your liability in the event of theft.  <\/div>\n  <\/details>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Mechanical-garages-throughout-Quebec\"><\/span>Mechanical garages throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:#f8fafc;border-radius:12px;padding:28px;margin:24px auto 40px;max-width:1200px;\">\n  <p style=\"color:#334155;font-size:1rem;line-height:1.7;margin:0 0 12px;\">Assur360 supports businesses throughout Quebec: <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Longueuil<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong> and <strong>Saguenay<\/strong>. Independent shops, franchises (Midas, Monsieur Muffler, Pneus Touchette), dealers and specialists: our brokers place your risk with insurers who are familiar with the requirements of the Quebec automotive sector. <\/p>\n  <p style=\"color:#334155;font-size:1rem;line-height:1.7;margin:0;\">100% online quote, free of charge, with comparison of several Canadian insurers.<\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Additional-Coverage-to-Consider\"><\/span>Additional Coverage to Consider<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px;max-width:1200px;margin:24px auto;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Business Insurance<\/div>\n  <\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/trucking-insurance-2\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Trucking Insurance<\/div>\n  <\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-by-activity\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Commercial Insurance<\/div>\n  <\/a>\n<a href=\"\/assurance-entreprise-informatique\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">IT Business Insurance<\/div>\n  <\/a>\n<\/div>\n\n<h3 class=\"wp-block-heading\">Official references<\/h3>\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/saaq.gouv.qc.ca\/\" rel=\"nofollow noopener\" target=\"_blank\">SAAQ \u2014 garages<\/a><\/li>\n<li><a href=\"https:\/\/www.ccaq.com\/\" rel=\"nofollow noopener\" target=\"_blank\">Corporation of Quebec Automobile Dealers<\/a><\/li>\n<li><a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurances\/\" rel=\"nofollow noopener\" target=\"_blank\">Autorit\u00e9 des march\u00e9s financiers<\/a><\/li><\/ul>\n\n<div style=\"background:#f0fdfa;border:2px solid #10c4c7;border-radius:12px;padding:30px;margin:40px auto;max-width:1200px;\">\n  <h3 style=\"color:#0d1f2d;font-size:1.15rem;margin:0 0 16px;\">\ud83d\udee1 Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:16px;\">\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">AMF<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Certified brokers<\/div>\n    <\/div>\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">Chamber of Insurance<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Insurance Chamber<\/div>\n    <\/div>\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">100K+<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Submissions processed<\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:48px 24px;text-align:center;max-width:1200px;margin:0 auto 40px;border-radius:16px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 12px;\">COMPARE AND SAVE<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Get-your-free-quote\"><\/span>Get your free quote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 0 28px;\">Our AMF-certified brokers compare several insurers to find you the best coverage.<\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<script type=\"application\/ld+json\">\n{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"How much does garage insurance cost in Quebec?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"For an independent mechanical garage with 3 to 6 bays: between $2,000 and $5,500 per year. Body shops or specialized workshops (high-end, exotic cars) pay more due to the value of the vehicles entrusted (from $5,500 to $15,000).\"}}, {\"@type\": \"Question\", \"name\": \"Are customer vehicles covered by my liability insurance?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"No \u2014 commercial liability excludes <strong>entrusted property. You need a specific endorsement for 'customer vehicles' (also called 'customers' autos'). The limit must correspond to the maximum value of the vehicles you receive simultaneously (typically $250,000 to $1M).\"}}, {\"@type\": \"Question\", \"name\": \"A customer leaves the garage and has an accident due to my repair \u2014 am I covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, through the <strong>garage liability ('products and completed operations'). Example: improperly installed brakes, loose wheel bolts, contaminated brake fluid. Typical limit: $2M per claim. Always obtain a customer signature on the work order that describes the repairs performed.\"}}, {\"@type\": \"Question\", \"name\": \"Are spilled fluids on the floor a problem?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes \u2014 <strong>accidental pollution can lead to a cleanup bill of $10,000 to $100,000 if hydrocarbons reach the storm sewer or basement. The gradual pollution endorsement (cost $500 to $1,500\/year) is highly recommended.\"}}, {\"@type\": \"Question\", \"name\": \"My employees do road tests \u2014 is this covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, if your policy includes <strong>road tests within a reasonable radius. Closed circuit or high-speed road tests (diagnosing a sports engine) may be excluded. Declare these activities to underwriting if they are part of your service.\"}}, {\"@type\": \"Question\", \"name\": \"Are tires stored outside covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Tires stored <strong>indoors are covered against theft and fire. Tires stored <strong>outside in an unsecured area may be excluded or limited. Plan for secure storage for large volumes (winter\/summer).\"}}, {\"@type\": \"Question\", \"name\": \"My workshop uses flammable products (paint, solvents) \u2014 any restrictions?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"The insurer will require that your <strong>paint booth complies with municipal and fire standards. An annual inspection certificate may be requested. Storing solvents in excess of 200 L often requires an approved safety cabinet.\"}}, {\"@type\": \"Question\", \"name\": \"I also repair heavy vehicles (trucks, buses) \u2014 same policy?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"No \u2014 heavy vehicles require a <strong>specialized policy with higher limits (vehicle and liability). Some insurers refuse mixed garages. Your insurance broker identifies the appropriate insurer based on your clientele.\"}}, {\"@type\": \"Question\", \"name\": \"Am I responsible if a customer forgets jewelry or a bag in their vehicle?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"The <strong>personal belongings of the customer are generally excluded from your coverage. Ask customers to remove their valuables before leaving the vehicle. A written notice in your premises limits your liability in case of theft.\"}}]}\n<!-- wpml:html_fragment <\/strong><\/script>  -->\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Home\", \"item\": \"https:\/\/assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Business Insurance\", \"item\": \"https:\/\/assur360.ca\/assurance-entreprise\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Mechanical Garage Insurance\", \"item\": \"https:\/\/www.assur360.ca\/assurance-garage-mecanique\/\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;`html MECHANICAL GARAGE Insurance for mechanical garages in Quebec Mechanical, bodywork, specialized: your risks include customer vehicles, pollution, lifts and repair errors. 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